VPN is not an anti-virus program. Also, you can’t really backup your online accounts and restore them in case they are hacked.
I am fully aware it’s not an antivirus program which is why I’m mocking people who pretend that they are. Just being on a virtual private Network does not protect you from man in the middle attacks. Sure it hardens your device against Wi-Fi eavesdropping. But you are still vulnerable to DNS spoofing session hijacking cache poisoning and SSL stripping. Aka a VPN won’t protect you from man in the middle attacks once you’ve entered a site app or network under someone else’s control.
My day job is in web hosting.